

Jay Cunningham
Senior Mortgage Loan Originator | NMLS# 224938

Jay Cunningham has been a part of the First State Mortgage team since 2011. With more than 24 years of extensive and in-depth experience in the real estate and finance industries, Jay has helped thousands of borrowers acquire their American... Show More
Location & Business Hours
Business Hours
Tues
8 AM to 5 PM
Wed
8 AM to 5 PM
Thu
8 AM to 5 PM
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Reviews from Web
Quick Response, Helpful, Knowledgeable
Jay was accessible and he and his team had an excellent relationship with the real estate attorneys and other professionals!
Very communicative and responsive to my needs.
Jay was accessible and he and his team had an excellent relationship with the real estate attorneys and other professionals! There attention to deal made getting the final package in proper form to the underwriter and thus no surprise issues!...
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Jay was accessible and he and his team had an excellent relationship with the real estate attorneys and other professionals! There attention to deal made getting the final package in proper form to the underwriter and thus no surprise issues!...
read more
Everyone was very helpful, and it was a pretty smooth process!
This is the second time I worked with Jay and he continues to offer exceptional service. I'll recommend Jay to anyone who needs a mortgage.His communication is excellent. He takes the time to explain things in easy to understand terms. His...
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Jay is flexible and very prompt. He kept me updated throughout the process. Responded to my text/call even in the nights. I would definitely recommend him.
Always prompt, efficient, effective, accurate and helpful; remarkably responsive. I've completed several transactions with Jay Cunningham and will gladly continue to work with him.
Jay is awesome. He is very helpful, organized, knowledgeable and quick to address all loan needs.
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About
Jay Cunningham has been a part of the First State Mortgage team since 2011. With more than 24 years of extensive and in-depth experience in the real estate and finance industries, Jay has helped thousands of borrowers acquire their American Dream. Featured in Metro Chicago Real Estate magazine as one of Chicagoland’s leading loan originators, Jay has been the highest producing originator in his office since transitioning from the real estate industry over 17 years ago. Recently he was honored as one of the company’s “Top Ten” originators nationwide.
Jay takes great pride in the fact that every customer is treated with respect regardless of their financial profile.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Down Payment Assistance
Conventional Home Loan
Mortgage Refinance
Fixed Rate Mortgages
Adjustable Rate Mortgages
USDA Loans
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Positions
- First State Mortgage - Senior Loan Officer NMLS 224938Jan 1st, 2001 - Aug 24th, 2026
- Luminate Bank - Senior Mortgage Loan OriginatorAug 25th, 2026 - Current
Time Zone
Central Standard Time (CST)
Licenses
- NMLS# 224938